Dumpster diving is an easy way for “identity thieves” to access sensitive information about you and your finances. Shred financial information before discarding it (such as pre-approved credit card applications, credit card receipts, and bills.)

Carry few credit cards.

Order your credit report from the three principal credit bureaus once a year. Check it for fraudulent activity and other discrepancies.

Never leave receipts behind. Check bank machines, gas pumps, etc.

Memorize your social security number and all your passwords. Don’t write them down.

Closely monitor credit card expiration dates. Check with the issuer if replacement cards aren’t received in a timely manner.

Choose passwords wisely by not using obvious information such as your birthday, anniversary, mother’s maiden name or SSN. Also, it’s safer to never use a common series of consecutive numbers such as “1234” or “5678.”

By using a device called a “skimmer”, an unscrupulous waiter or store clerk can skim info from your cards. Whenever possible, keep a close eye on your credit/debit card or driver’s license if you hand them to someone else.

After receiving cash from an ATM, don’t throw away the receipt at the ATM location. Take it with you and shred it if you no longer need it.

Banking online can eliminate paper checks and statements, which can lower the risk of identity theft. Also, if you order new checks, arrange to pick them up at the financial institution, or have them delivered to a P.O. box, rather than risk having them stolen from your home mailbox.